Average Renters Insurance Cost in Missouri

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In Missouri, renters insurance rates depend on factors like your insurer, chosen coverage limits and personal circumstances. On average, renters pay $231 annually or $19 monthly for a policy with $40,000 in personal property coverage, $300,000 in liability protection, and a $1,000 deductible.

Key Takeaways

The average cost of renters insurance in Missouri is $231 per year or $19 per month.
State Farm provides the least expensive renters insurance in Missouri at an average rate of $202 annually.
Renters insurance rates can vary significantly among insurance companies. Compare quotes to find the best deal on renters insurance in Missouri.

Average renters insurance cost in Missouri per month

In Missouri, the average cost of renters insurance is $19 per month. However, the exact premiums may vary based on factors like your location, the value of your belongings, and the amount of coverage you choose. It’s always a good idea to compare quotes from multiple insurers to ensure you get the best deal.

Average renters ins cost per month	Difference compared to national average
$19	$3 less

Average renters insurance cost in Missouri by company

According to our data, State Farm provides the most affordable renters insurance in Missouri, with an average annual rate of $202, followed by Auto Club Enterprises (AAA) and Shelter Insurance.

Getting quotes from multiple renters insurance companies in Missouri is a good idea, as prices can differ significantly among insurers.

Below, you can find average annual and monthly renters insurance rates from various companies in Missouri.

Company	Average annual rate	Average monthly rate
State Farm	$202	$17
Auto Club Enterprises (AAA)	$219	$18
Shelter Insurance	$221	$18
Nationwide	$320	$27
Allstate	$332	$28
Farmers	$357	$30
American Family	$395	$33
USAA*	$124	$10

*USAA is only available to military community members and their families.

Renters insurance calculator in Missouri

$210/year

Estimated renters insurance rates in Missouri

$17

Monthly renters insurance cost in Missouri

-15%

Compared to national average

Average cost of renters insurance in Missouri by coverage level

As we discussed above, the average cost of renters insurance in Missouri is $231 per year. These rates are for a coverage level of $40,000 for personal property coverage, $300,000 in liability coverage and a $1000 deductible.

However, if you lower the personal property coverage from $40,000 to $20,000, you will pay $170 per year for renters insurance in Missouri, which provides $300,000 in liability protection with a $1000 deductible.

Below are the average renters insurance costs in Missouri for personal property coverage amounts of $20,000 and $40,000.

Coverage level	Average annual renters insurance rate	Average monthly renters insurance rate
$20,000 with $500 Deductible and $100,000 Liability	$165	$14
$20,000 with $500 Deductible and $300,000 Liability	$185	$15
$20,000 with $1,000 Deductible and $100,000 Liability	$150	$13
$20,000 with $1,000 Deductible and $300,000 Liability	$170	$14
$40,000 with $500 Deductible and $100,000 Liability	$232	$19
$40,000 with $500 Deductible and $300,000 Liability	$254	$21
$40,000 with $1,000 Deductible and $100,000 Liability	$210	$17
$40,000 with $1,000 Deductible and $300,000 Liability	$231	$19
$60,000 with $500 Deductible and $100,000 Liability	$290	$24
$60,000 with $500 Deductible and $300,000 Liability	$313	$26
$60,000 with $1,000 Deductible and $100,000 Liability	$262	$22
$60,000 with $1,000 Deductible and $300,000 Liability	$285	$24

Average cost of renters insurance in Missouri by city

Renters insurance rates can vary widely between cities. To make finding the right policy easier, we’ve broken down the costs by city. Discover how much renters insurance typically costs in different areas of Missouri.

Renters insurance rates in Missouri by city

See rates in your city

Kansas City

Mountain View

Average cost of renters insurance in Missouri by ZIP code

In Missouri, the cost of renters insurance can vary significantly across ZIP codes. Here, we’ll show you the ZIP codes where renters insurance is most affordable and where it costs the most.

Most affordable ZIP codes for renters insurance in Missouri

The amount Missouri renters pay for insurance largely depends on their ZIP code. Among all the ZIP codes analyzed, 63501 is the state’s most affordable ZIP for renters insurance, with an average annual premium of $222.

Since rates differ by ZIP code, comparing quotes is one of the simplest ways to get the most affordable renters insurance policy in Missouri.

ZIP code	City	Average annual rate	Average monthly rate
63501	Kirksville	$222	$18
63556	Milan	$222	$18
63432	Arbela	$222	$19
63442	Granger	$222	$19
63543	Gorin	$222	$19
63555	Memphis	$222	$19
63563	Rutledge	$222	$19
64645	Harris	$222	$19
64646	Humphreys	$222	$19
64667	Newtown	$222	$19

Least affordable ZIP codes for renters insurance in Missouri

Among the ZIP codes analyzed by Insure.com, the least affordable ZIP code for renters insurance in Missouri is 63869, with an average cost of $255 a year or $21 monthly.

We analyzed quotes from multiple insurance providers across every ZIP code in Missouri. Below, you’l find the average annual renters insurance premiums broken down by ZIP code.

ZIP code	City	Average annual rate	Average monthly rate
63869	New Madrid	$255	$21
63862	Lilbourn	$255	$21
63833	Catron	$255	$21
63828	Canalou	$255	$21
63134	Berkeley	$254	$21
63135	Calverton Park	$254	$21
63878	Tallapoosa	$254	$21
63874	Risco	$254	$21
63866	Marston	$254	$21
63867	Matthews	$253	$21

Final thoughts: Average renters insurance in Missouri

Renters insurance is a must-have for renters in Missouri. It protects your belongings in the event of damage from fire, theft, vandalism or any other natural disasters.

To find the best renters insurance at an affordable rate, shop around and compare quotes from multiple insurance companies. In addition to price, consider factors like coverage options, deductibles and customer reviews.

Shivani Gite

Contributing Writer

Shivani Gite is a personal finance and insurance writer with a degree in journalism and mass communication. She is passionate about making insurance topics easy to understand for people and helping them make better financial decisions.